Erie Auto Insurance Review

A regional carrier with standout claims satisfaction ratings, Erie’s main drawback is that it’s simply not available in many states.

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Overview

According to Erie Insurance, more than 90% of the provider’s customers choose to stay with Erie “year after year,” and, considering the company’s stellar reputation when it comes to customer service and claims satisfaction, it’s not a hard statistic to believe.

Erie scored 891 on the J.D. Power 2018 U.S. Auto Claims Satisfaction Study, making it the highest-ranked major auto insurer on the list (USAA scored 903, but wasn’t included in the rankings because it is only available to U.S. military and their families). Erie also earned a score of 86 from Consumer Reports readers, with especially high ratings for “claims” and “service.”

As for its car insurance coverage options, Erie has all the basic insurance coverage that comprises a full coverage policy, along with more premium options, like coverage for personal belongings inside your vehicle, coverage for your pets if they’re hurt while riding in your car and its “Erie Auto Plus” option, which boosts regular coverage with extras like diminishing deductible and increased limits.

Erie’s biggest drawback when it comes to auto insurance may be that it only writes policies in twelve states and the District of Columbia, while many of its competitors offer coverage in all 50 states.

Erie is also picky with drivers, and if you have multiple accidents in a year you might find yourself denied coverage when it’s time to renew. That said, if you happen to live in one of the states where Erie car insurance is an option, it’s worth considering for its top-rated customer service.

Pros

  • Standout customer service
  • Premium coverage options
  • Well-designed, sleek website
  • Accident forgiveness is offered as a loyalty perk

Cons

  • Not available in most states
  • May drop you if you have multiple accidents or moving violations
  • No Erie mobile app

Erie by the numbers

Founded: 1925

Market Share: 1.31%

A.M. Best rating: A+

Better Business Bureau rating: A+

J.D. Power Claims Satisfaction rating: 891

Which states is Erie car insurance available in?

erie-state-availbility

Erie auto insurance is available in 12 states — Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin — as well as the District of Columbia.

StateAvailabilityStateAvailability
Alabama Montana
Alaska Nebraska
Arizona Nevada
Arkansas New Hampshire
California New Jersey
Colorado New Mexico
Connecticut New York
Delaware North Carolina
Florida North Dakota
Georgia Ohio
Hawaii Oklahoma
Idaho Oregon
IllinoisPennsylvania
IndianaRhode Island
Iowa South Carolina
Kansas South Dakota
KentuckyTennessee
Louisiana Texas
Maine Utah
Massachusetts Vermont
MarylandVirginia
Michigan Washington
Minnesota Washington D.C.
Mississippi West Virginia
Missouri Wisconsin
Wyoming

Policy Details

Erie stands out from the pack by offering a wide range of nonstandard car insurance coverage in addition to the standard coverage you’ll find from any major car insurance provider. And many of that extra coverage comes at no extra cost.

Standard coverage options

  • Liability coverage - Covers the costs if you cause an accident, damage property or injure someone with your vehicle. Liability insurance is required in most states.

  • Personal injury protection - Covers medical and rehabilitation expenses if you or your passengers are injured in a car accident. Also covers other related expenses, like lost wages.

  • Uninsured/underinsured motorist coverage - Covers the costs if you’re in an accident caused by a driver who either doesn’t have insurance or whose insurance can’t pay for the full extent of the damage.

  • Collision coverage - Covers damage to your own vehicle after an accident, regardless of who was at fault.

  • Comprehensive coverage - Covers any damage to your car that can happen when it isn’t being driven, including damage from extreme weather, falling objects, flood, fire, vandalism and theft.

Additional coverage and features

  • Pet coverage - Covers up to $500 per pet if your animal is injured in a car accident while riding in your vehicle.

  • Personal item coverage - Covers up to $350 in losses if your personal belongings are damaged or lost in a covered incident.

  • Full window glass coverage - Waves the deductible for glass repair or replacement, and covers new wiper blades if your windshield is replaced.

  • Roadside assistance and rental car coverage - Covers the types of emergencies that leave you stranded, like flat-tire changes, jump-starts, and towing, as well as a replacement rental car while yours is in the shop.

  • Erie Auto Plus - A premium coverage option that adds a diminishing deductible year over year, increased coverage limits and a $10,000 death benefit to your regular auto policy.

How much does Erie cost?

Predicting how much any given driver will pay for auto insurance is difficult because your insurance premiums are based on individual factors like your address, age, credit score, driving history, the type of car you drive and whether or not you own your home.

That said, we can still take a look at a sample Erie auto insurance quote for an average driver. Our sample customer is a single, 30-year-old woman in Pittsburgh, Pennsylvania who drives a 2014 Toyota Camry. Eerie quoted her a total of $99.42 a month, which is $1,193.04 for an annual policy.

Basic CoveragesPolicy Limits
Bodily injury liability$50,000 each person, $100,000 each accident
Property damage liability$50,000 each accident
Medical expenses (personal injury protection)$5,000 each person
Uninsured/underinsured motorist$50,000 each person, $100,000 each accident
Comprehensive$500 deductible
Collision$500 deductible

Monthly premium = $99.42

Discounts

Erie, like all major car insurance companies, offers discounts to help drivers save on auto insurance.

Those include discounts for insuring multiple cars on the same policy, bundling home and auto coverage and a discount if you’re planning on storing your vehicle for 90 days or more. There are also discounts for paying your premium in full and discounts for having certain vehicle features, like an anti-theft device or anti-lock brakes.

Then there’s Erie’s Rate Lock endorsement, which you can add to your policy. The Rate Lock guarantees your rates won’t go up unless you make certain changes to your policy, like moving homes, or adding or removing a vehicle or driver.

Company details

Application process

Unlike its general website, Erie’s online quoting tool isn’t as streamlined as some of its competitors, but it’s easy enough to use. It also asks fewer questions than some other insurance application processes and doesn’t require a driver's license number or Social Security number in order to get a quote. You can also apply for Erie auto insurance with an agent or over the phone.

Claims process

No one wants to have to file a car insurance claim, but things happen, and claims satisfaction is where Erie shines. Its claims satisfaction ratings were industry-leading, and online, Erie customers praised the attentiveness of adjusters and the speed with which their claims were resolved.

Erie drivers can file a claim over the phone, either with their specific Erie agent or through a general phone number. Unlike some competitors, Erie does not make it easy to start a claim online, unless the claim is for auto glass only.

Other types of insurance offered

  • Motorcycle insurance - Coverage for your bike

  • RV insurance - Coverage for your home on wheels

  • Boat insurance - Coverage for your water vessel

  • Collector and classic car insurance - Coverage for your vintage or collectible car

  • Recreational vehicle insurance - Coverage for your ATV, snowmobile, golf cart, trail bike, or moped

  • Homeowners insurance - Coverage for your house

  • Renters insurance - Coverage for all the belongings in your rental unit

  • Condo insurance - Coverage for whatever your HOA’s master policy doesn’t cover

  • Personal valuables insurance - Coverage for expensive belongings like jewelry, artwork, musical instruments, cameras, collections or sporting equipment

Digital tools

  • Online quote generator

  • Online bill-paying

Contact info

Website: www.erieinsurance.com

Phone: (800) 458-0811

Headquarters: 100 Erie Insurance Place, Erie, Pennsylvvania 16530

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s car insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.